Grupo Aval Acciones y Valores S.A. (AVAL) Key Metrics
AVAL key metrics, 2016–2025
Fiscal year ended December 31, 2025 · COPAVAL returns How much profit the business earns on the capital it uses.
AVAL financial health Debt, liquidity and how easily interest is covered.
AVAL efficiency & capital use Working capital cycle and where the cash goes.
AVAL returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
AVAL debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
AVAL cash returned to shareholders
AVAL key metrics in COP
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.9% | 5.9% | 4.4% | 12.6% | 15.1% | 11.6% | 16.1% | 17.1% | 12.3% | 14.2% |
| Return on invested capital (ROIC) | 6.1% | 5.3% | 3.9% | 6.0% | 7.5% | 9.9% | 12.3% | 16.4% | 14.7% | 16.7% |
| Return on assets (ROA) | 0.5% | 0.3% | 0.2% | 0.7% | 1.0% | 0.8% | 1.1% | 1.2% | 0.9% | 1.0% |
| Return on tangible assets | 0.5% | 0.3% | 0.3% | 0.9% | 1.0% | 0.8% | 1.2% | 1.2% | 0.9% | 1.0% |
| Free cash flow margin | 3.4% | −39.8% | −25.9% | −4.9% | 17.6% | 71.5% | 13.1% | 26.4% | 14.3% | 3.4% |
| Income quality (OCF / net income) | 1.27 | −13.83 | −12.65 | −0.09 | 1.79 | 4.27 | 1.86 | 3.00 | 2.60 | 1.16 |
| Financial health | ||||||||||
| Total debt | COP 68.60T | COP 71.36T | COP 62.82T | COP 72.12T | COP 74.09T | COP 59.49T | COP 55.64T | COP 51.91T | COP 45.98T | COP 46.33T |
| Cash & short-term investments | COP 48.40T | COP 44.00T | COP 41.82T | COP 15.90T | COP 35.62T | COP 33.95T | COP 30.07T | COP 28.15T | COP 40.58T | COP 40.58T |
| Net debt | COP 20.20T | COP 27.36T | COP 21.00T | COP 56.22T | COP 38.46T | COP 25.54T | COP 25.57T | COP 23.76T | COP 5.40T | COP 5.74T |
| Debt / equity | 3.72 | 4.09 | 3.74 | 4.38 | 3.22 | 2.88 | 2.80 | 2.92 | 2.82 | 2.97 |
| Debt / assets | 0.20 | 0.22 | 0.21 | 0.24 | 0.20 | 0.18 | 0.20 | 0.20 | 0.19 | 0.21 |
| Net debt / EBITDA | 5.23 | 6.20 | 4.53 | 7.63 | 4.92 | 4.90 | 2.92 | 2.87 | 0.93 | 0.90 |
| Current ratio | — | 0.37 | 0.38 | 0.02 | 0.24 | 0.23 | 0.24 | 0.23 | 0.30 | 0.30 |
| Quick ratio | — | 0.37 | 0.43 | 13.26 | 0.52 | 0.52 | 0.24 | 0.23 | 0.59 | 0.49 |
| Interest coverage | 0.2 | 0.2 | 0.2 | 0.5 | 1.4 | 1.1 | 0.9 | 1.0 | 0.6 | 0.7 |
| Working capital | — | −COP 130.58T | −COP 116.45T | −COP 4.01T | −COP 182.25T | −COP 165.49T | −COP 136.46T | −COP 129.67T | −COP 109.69T | −COP 102.25T |
| Invested capital | COP 38.62T | COP 44.81T | COP 37.79T | COP 72.69T | COP 61.48T | COP 46.20T | COP 45.42T | COP 41.55T | COP 21.69T | COP 21.35T |
| Tangible asset value | COP 16.22T | COP 13.87T | COP 13.38T | COP 13.29T | COP 18.00T | COP 16.91T | COP 17.27T | COP 15.69T | COP 15.01T | COP 14.29T |
| Net current asset value | −COP 265.46T | −COP 219.59T | −COP 199.63T | −COP 264.70T | −COP 271.17T | −COP 237.58T | −COP 202.82T | −COP 192.08T | −COP 162.66T | −COP 154.72T |
| Capital allocation | ||||||||||
| Dividends paid | COP 582.89B | COP 728.18B | COP 766.54B | COP 414.27B | COP 1.23T | COP 1.33T | COP 1.27T | COP 1.13T | COP 1.31T | COP 1.26T |
| Share buybacks (net) | COP 6.0M | COP 55.00B | COP 0 | COP 15.01B | COP 29.75B | COP 430.32B | COP 67.10B | COP 67.16B | COP 0 | COP 238.0M |
| Dividend payout ratio | 36.3% | 71.7% | 103.7% | 16.7% | 37.3% | 56.6% | 41.8% | 38.7% | 66.6% | 58.9% |
| Dividends + buybacks / free cash flow | 40.1% | — | — | — | 34.6% | 22.0% | 34.1% | 16.4% | 35.0% | 148.2% |
| Capex / revenue | 1.4% | 1.8% | 1.6% | 4.1% | 10.9% | 18.0% | 5.8% | 5.1% | 5.3% | 6.6% |
| Capex / operating cash flow | 28.8% | — | — | — | 38.2% | 20.1% | 30.6% | 16.3% | 27.0% | 65.8% |
| Capex / depreciation | 0.43 | 0.52 | 0.53 | 1.05 | 1.56 | 1.44 | 1.33 | 1.49 | 1.53 | 2.10 |
| SG&A / revenue | 7.1% | 11.8% | 10.5% | 13.2% | 16.6% | 28.2% | 16.8% | 18.2% | 18.3% | 18.8% |
| Efficiency | ||||||||||
| Days sales outstanding | — | 292.8 | 253.4 | 294.1 | 310.9 | 446.7 | 132.2 | 110.1 | 77.4 | 55.1 |
| Days of inventory on hand | — | — | -424.8 | -1,503.9 | -2,996.6 | — | -0.0 | -712.5 | -1,066.2 | -1,665.7 |
| Days payables outstanding | 59.5 | 47.8 | 41.8 | 74.5 | 136.9 | — | 54.5 | 57.5 | 50.7 | 49.0 |
| Cash conversion cycle (days) | — | 245.0 | -213.2 | -1,284.3 | -2,822.6 | — | 77.6 | -659.9 | -1,039.5 | -1,659.6 |
| Receivables turnover | — | 1.25 | 1.44 | 1.24 | 1.17 | 0.82 | 2.76 | 3.32 | 4.72 | 6.63 |
| Payables turnover | 6.14 | 7.63 | 8.72 | 4.90 | 2.67 | 0.00 | 6.69 | 6.35 | 7.20 | 7.45 |
| Asset turnover | 0.13 | 0.12 | 0.13 | 0.08 | 0.06 | 0.04 | 0.11 | 0.11 | 0.11 | 0.11 |
| Average receivables | — | COP 29.66T | COP 26.69T | COP 22.52T | COP 17.61T | COP 13.70T | COP 10.79T | COP 8.36T | COP 5.52T | COP 3.72T |
| Average payables | COP 3.39T | COP 3.36T | COP 3.14T | COP 3.02T | COP 2.95T | COP 2.27T | COP 1.86T | COP 1.83T | COP 1.71T | COP 1.53T |
| Average inventory | — | — | −COP 31.87T | −COP 60.92T | −COP 64.47T | −COP 30.62T | −COP 1.32B | −COP 22.71T | −COP 36.07T | −COP 52.01T |
| Intangibles / total assets | 5.3% | 5.9% | 6.0% | 5.9% | 5.9% | 5.7% | 5.8% | 5.3% | 4.6% | 4.6% |
Computed from AVAL's annual financial statements (latest annual report filed April 17, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in COP; data from EODHD. Averages use the opening and closing balance of each year.
AVAL valuation and financial ratios
Grupo Aval Acciones y Valores earned a return on equity of 8.9% and a return on invested capital of 6.1% in fiscal 2025. It ended the year with COP 68.60 trillion of debt and COP 48.40 trillion in cash and short-term investments, net debt of COP 20.20 trillion. It returned COP 582.9 billion to shareholders: COP 582.9 billion in dividends and COP 6.0 million in share buybacks, 40% of free cash flow.
See the AVAL income statement, the AVAL chart for price history, or the AVAL stock overview for the latest quote and news.
AVAL key metrics FAQ
What is Grupo Aval Acciones y Valores's return on equity?
Grupo Aval Acciones y Valores's return on equity (ROE) was 8.9% in fiscal 2025: net income of COP 1.60 trillion on average shareholders' equity of COP 17.94 trillion.
What is Grupo Aval Acciones y Valores's ROIC?
Grupo Aval Acciones y Valores's return on invested capital was 6.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Grupo Aval Acciones y Valores have?
Grupo Aval Acciones y Valores had total debt of COP 68.60 trillion at the end of fiscal 2025, a debt-to-equity ratio of 3.72 and COP 20.20 trillion of net debt (5.23 times EBITDA).
Does Grupo Aval Acciones y Valores buy back its shares?
Yes. Grupo Aval Acciones y Valores spent COP 6.0 million on net share repurchases in fiscal 2025.